New & Improved Accident Coverage
USPK members now get access to Aflac’s enhanced Accident plan — replacing the previous limited policy with broader protection.
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What's New with Aflac's Accident Policy
Replaces the old limited accident policy
Pays cash directly to you , not to providers
24/7 coverage — because accidents occur anytime
No networks — use any doctor or hospital
Portable — keep it even if you leave USPK
Covers ER visits, fractures, X-rays, follow-ups, and more
Helps with out-of-pocket costs your health insurance doesn’t cover
Learn about Aflac Accident Insurance
FAQs
Why Get Accident Insurance?
With accident insurance, you can have help covering the out-of-pocket costs you may face after an accident. Some of these expenses may include hospital stays, medical exams, emergency treatments, transportation, and lodging. It can help fill the gap in coverage between your health insurance and other policies you might have.Many accident insurance policies help cover certain injuries, like burns, lacerations, broken limbs, and paralysis. In the event an accident takes your life, accident insurance can pay out money to your designated beneficiary, which may be your partner or a child.
What Injuries and Emergency Services Can Accident Insurance Cover?
Aflac's accident insurance can help cover a wide span of events, from emergency situations to more common accidents. On one side of the spectrum, we provide benefits for burns, comas, paralysis, concussions, dislocations, and lacerations. While crisis injuries can occur, there are a laundry list of common injuries that need attention too. Aflac accident insurance can also help cover fractures, broken teeth, eye injuries, and pain management, like epidurals.There are many additional costs on top of treating an injury that may not be covered under your primary medical coverage. Aflac can help pay for ambulance trips, physical therapy, CT scans, MRIs, confinement, blood transfusions, and medical appliances.
Does Accident Insurance Cover Out-of-Pocket Expenses?
Accident insurance is designed to help you pay for the out-of-pocket costs that often come after an covered accidental injury. Several examples include hospital stays, medical exams, and emergency treatments. If you don't have the funds to cover these types of expenses upfront, the help from accident insurance can make a real difference.
Who Should Get an Accident Insurance Policy?
There are many reasons why it may be wise to invest in accident insurance. These types of policies can help cover a wide span of accidental injuries that could prevent you from being able to work. In addition, an accident insurance policy can make sense if you lead an active lifestyle that involves activities like skiing or rock climbing, have children, or don't have or want to use emergency savings to pay for accidents.
Is There a Waiting Period for Accident Insurance Coverage?
One of the greatest perks of accident insurance is that there is no waiting period like with other types of insurance policies. This means that you don't have to wait a certain amount of time before your coverage goes into effect, so you can file claims immediately after a covered accident occurs.
How Can I File an Accident Insurance Claim?
File a claim online, over the phone, or via the Aflac mobile app. To do so, you’ll need to provide detailed information and documentation related to the accident, such as the date, time, and location of the incident.
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